The Fair Mortgage Collaborative is a non-profit educational, research and consumer information organization. Our mission is to educate consumers about predatory lending practices, help them avoid predatory lenders and brokers, and enable them to obtain safe, fairly-priced loans.

The Fair Mortgage Collaborative has created educational materials about many issues related to mortgage lending, including how to find a fair loan, how to identify and avoid predatory loans, whether you should use a broker and how to find one, and how to obtain good credit counseling services. All of these materials are available on this site. Check back often — the mortgage lending field changes rapidly, and we are continually updating the site to provide you with new information about the most recent trends in the field.

Through a sustained research effort, the Fair Mortgage Collaborative has created a comprehensive set of lending standards. These standards require lending organizations to treat consumers fairly and to price their loans and services appropriately. The standards strictly prohibit the use of predatory loan products. A subsidiary of the Collaborative certifies organizations that meet these standards, allowing them to use the “Mortgage Collaborative Certified” shield. For more information about the certification process and certified lenders, click here.